Discover IT - Might have unintentionally applied as student -_-

[Anonymous]

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@Closingracer99 wrote:

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@Anonymous wrote:

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@Closingracer99 wrote:

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@Anonymous wrote:

A lot of valid points above, I really appreciate the insight from everyone. Okay so I have two options, I can just keep the student card... Or I can apply for the regular card (prequal) and then cancel the student.

Which do you guys think?

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Is this an offer through the mail or on the Website?   Websit would say your qualified if you put your social as 1-9 

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The website, my credit should be ok though. This weekend I was approved for 2 chase cards and an amex.

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If your willing to take a HP I would just apply for the reg and go from there. If they decline then I would just keep the student version. It isn't a bad card to use.

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Wouldn't it automatically decline though because technically the student is the same card?

[lg8302ch]

With 15K / yr my estimate would be a starting limit of 500-1000$ from a conservative lender like Discover. How much did you get ?

edit: I got 2,5K with 790 Fico and 65K income 12/12 and it took 15 months to go from 2,5K to 5K and 3 more months to 7,5K (limit today)...patience was well worth for me!

[Closingracer99]

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@Simba501 wrote:

Does not make sense to take two inquiries for the exact same card.  

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I wouldn't but he is devoted to get the Reg version so it is what it is ... personally I would just keep the "student" version 

[Closingracer99]

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@Anonymous wrote:

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@Closingracer99 wrote:

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@Anonymous wrote:

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@Closingracer99 wrote:

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@Anonymous wrote:

A lot of valid points above, I really appreciate the insight from everyone. Okay so I have two options, I can just keep the student card... Or I can apply for the regular card (prequal) and then cancel the student.

Which do you guys think?

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Is this an offer through the mail or on the Website?   Websit would say your qualified if you put your social as 1-9 

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The website, my credit should be ok though. This weekend I was approved for 2 chase cards and an amex.

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If your willing to take a HP I would just apply for the reg and go from there. If they decline then I would just keep the student version. It isn't a bad card to use.

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Wouldn't it automatically decline though because technically the student is the same card?

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then It wouldn't take a HP i believe..  Honestly the Student version is fine 

[Anonymous]

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@lg8302ch wrote:

With 15K / yr my estimate would be a starting limit of 500-1000$ from a conservative lender like Discover. How much did you get ?

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These are my approvals this weekend:

Discover 1k (Recond said no CLI for 6 months - probably because student version)

Amex Everyday 2k

Chase Slate 2k

Chase Freedom 2.2k

[Closingracer99]

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@Anonymous wrote:

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@lg8302ch wrote:

With 15K / yr my estimate would be a starting limit of 500-1000$ from a conservative lender like Discover. How much did you get ?

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These are my approvals this weekend:

Discover 1k (Recond said no CLI for 6 months - probably because student version)

Amex Everyday 2k

Chase Slate 2k

Chase Freedom 2.2k

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Naaa I only got $750 with my Discover and it wasn't the student version at all.

[lg8302ch]

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@Anonymous wrote:

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@lg8302ch wrote:

With 15K / yr my estimate would be a starting limit of 500-1000$ from a conservative lender like Discover. How much did you get ?

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These are my approvals this weekend:

Discover 1k (Recond said no CLI for 6 months - probably because student version)

Amex Everyday 2k

Chase Slate 2k

Chase Freedom 2.2k

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I would definitely not re-apply because I think you got the limit based on your income and not for selecting student. Once your income will grow so will your CL with Discover ...just keep it! use it and every 3 months play with the luv botton.

[Anonymous]

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@lg8302ch wrote:

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@Anonymous wrote:

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@lg8302ch wrote:

With 15K / yr my estimate would be a starting limit of 500-1000$ from a conservative lender like Discover. How much did you get ?

---

These are my approvals this weekend:

Discover 1k (Recond said no CLI for 6 months - probably because student version)

Amex Everyday 2k

Chase Slate 2k

Chase Freedom 2.2k

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I would definitely not re-apply because I think you got the limit based on your income and not for selecting student. Once your income will grow so will your CL with Discover ...just keep it! use it and every 3 months play with the luv botton.

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isn't button for student card every 6 months? phone said 6 months </3

[lg8302ch]

It used to be every 6 months but changed to every 3 months (at least for the regular cards). But chances of a CLI @ 3 months are very slim, @6 months a bit better and for many including me 12+ months to see a result for a CLI.  Remember credit is a marathon and not a race...it takes time to grow so you will need a lot of patiece.  My first limit on my BofA card was 1K and look at how it as grown but that was not overnight..it took years!

[Closingracer99]

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@lg8302ch wrote:

@Anonymous used to be every 6 months but changed to every 3 months (at least for the regular cards). But chances of a CLI @ 3 months are very slim, @6 months a bit better and for many including me 12+ months to see a result for a CLI.  Remember credit is a marathon and not a race...it takes time to grow so you will need a lot of patiece.  My first limit on my BofA card was 1K and look at how it as grown but that was not overnight..it took years!

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I had the Discover card for 14 months and no Auto CLI for me  so it's all YMMV.  

Discover only grew on me a bit ... Went from $750 ----> $1,000 -----> $1,500  and took HP's for both